What is REGIONAL MANAGEMENT CORP's earnings per share (EPS)?

REGIONAL MANAGEMENT CORP (RM) reported diluted earnings per share of $4.45 for fiscal year 2025. This represents a 7.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

REGIONAL MANAGEMENT CORP (RM) Financials

Trailing 12 months to June 30, 2026

Revenue $670.5M +9.6% YoY

Net Income $46.8M +34.8% YoY

EPS (Diluted) $4.75 +36.9% YoY

Free Cash Flow $323.5M +17.1% YoY

Market Cap $309.7M as of Oct 21, 2026

Price / Sales 0.5x on $670.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 6.6x on $46.8M net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $378.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RM SEC filings page.

REGIONAL MANAGEMENT CORP (RM) reported $670.5M in revenue over the twelve months to Jun 30, 2026, up 9.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RM FY2025 2026-10-04

Financing-heavy economics produce substantial reported cash generation, but rising funding costs keep accounting profits compressed.

Revenue expanded across FY2021–FY2025, but net margin fell from 20.7% to 6.9%. Interest expense more than doubled to $84.8M, linking weaker profit conversion to a more expensive funding structure.

Reported free cash flow was $304M in FY2025 versus net income of $44M. That gap, alongside a 47.1% FCF margin, means reported cash generation is shaped by items beyond bottom-line profit, making earnings an incomplete standalone gauge of cash movement.

Liabilities were $1.73B against equity of $373M. At 4.4x debt-to-equity and capital expenditures of $4.8M, the balance sheet is obligation-funded while reported reinvestment is modest; funding conditions therefore matter materially to profitability.

Financial Health Signals

Financial health score not available

REGIONAL MANAGEMENT CORP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/7

REGIONAL MANAGEMENT CORP passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

6.96x

For every $1 of reported earnings, REGIONAL MANAGEMENT CORP generates $6.96 in operating cash flow ($309.1M OCF vs $44.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$168.0M

YoY+6.7%

QoQ+0.4%

5Y CAGR+11.0%

10Y CAGR+11.4%

REGIONAL MANAGEMENT CORP generated $168.0M in revenue in Q2 2026. This represents an increase of 6.7% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Net Income

$8.2M

YoY-19.6%

QoQ-28.5%

5Y CAGR-16.6%

10Y CAGR+3.3%

REGIONAL MANAGEMENT CORP reported $8.2M in net income in Q2 2026. This represents a decrease of 19.6% from the same quarter a year earlier. Against the prior quarter it is down 28.5%.

EPS (Diluted)

$0.85

YoY-17.5%

QoQ-28.0%

5Y CAGR-14.6%

10Y CAGR+5.7%

REGIONAL MANAGEMENT CORP earned $0.85 per diluted share (EPS) in Q2 2026. This represents a decrease of 17.5% from the same quarter a year earlier. Against the prior quarter it is down 28.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$79.3M

YoY+2.1%

QoQ-0.8%

5Y CAGR+10.0%

10Y CAGR+16.2%

REGIONAL MANAGEMENT CORP generated $79.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 2.1% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Cash & Debt

$118.6M

YoY-2.8%

QoQ+14.9%

5Y CAGR+2.3%

10Y CAGR+45.3%

REGIONAL MANAGEMENT CORP held $118.6M in cash against $1.7B in long-term debt as of Q2 2026.

Dividends Per Share

$0.30

YoY0.0%

QoQ0.0%

5Y CAGR+3.7%

REGIONAL MANAGEMENT CORP paid $0.30 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-5.9%

QoQ+0.2%

5Y CAGR-2.2%

10Y CAGR-2.1%

REGIONAL MANAGEMENT CORP had 9M shares outstanding in Q2 2026. This represents a decrease of 5.9% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Margins & Returns

Net Margin

4.9%

YoY-1.6pp

QoQ-2.0pp

5Y change-15.4pp

10Y change-5.5pp

REGIONAL MANAGEMENT CORP's net profit margin was 4.9% in Q2 2026, showing the share of revenue converted to profit. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.0 percentage points.

Return on Equity

2.1%

YoY-0.6pp

QoQ-0.9pp

5Y change-5.1pp

10Y change-0.9pp

REGIONAL MANAGEMENT CORP's ROE was 2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$5.1M

YoY+2.8%

QoQ-31.4%

REGIONAL MANAGEMENT CORP spent $5.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2.8% from the same quarter a year earlier. Against the prior quarter it is down 31.4%.

Capital Expenditures

$1.5M

YoY+43.5%

QoQ+31.6%

5Y CAGR+17.9%

10Y CAGR+9.5%

REGIONAL MANAGEMENT CORP invested $1.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 43.5% from the same quarter a year earlier. Against the prior quarter it is up 31.6%.

R&D Spending

Not reported for Q2 2026.

RM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RM quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$670.5M	$645.6M+9.7%	$588.5M+6.7%	$551.4M+8.7%	$507.2M+18.4%	$428.4M+14.6%	$373.9M+5.1%	$355.7M+16.0%	$306.7M+12.6%	$272.5M+13.3%	$240.5M+10.7%	$217.3M+6.1%	$204.7M+20.0%	$170.6M+25.7%	$135.7M+28.8%	$105.3M
SG&A Expenses	$258.7M	$257.6M+4.0%	$247.7M+1.9%	$243.1M+9.3%	$222.5M+13.8%	$195.5M+10.9%	$176.3M+12.3%	$157.0M+11.9%	$140.3M+7.1%	$131.0M+10.4%	$118.6M+2.6%	$115.6M+19.4%	$96.8M+36.2%	$71.0M+112.1%	$33.5M+30.4%	$25.7M
Interest Expense	$90.5M	$84.8M+13.8%	$74.5M+10.5%	$67.5M+97.1%	$34.2M+9.2%	$31.3M-17.2%	$37.9M-5.7%	$40.1M+19.9%	$33.5M+40.0%	$23.9M+20.0%	$19.9M+22.8%	$16.2M+8.5%	$14.9M+5.7%	$14.1M+21.8%	$11.6M-5.9%	$12.3M
Income Tax	$13.7M	$13.4M+4.0%	$12.8M+166.3%	$4.8M-65.8%	$14.1M-40.7%	$23.8M+158.6%	$9.2M-35.5%	$14.3M+35.1%	$10.6M+2.6%	$10.3M-31.0%	$14.9M+1.0%	$14.8M+61.7%	$9.1M-47.7%	$17.5M+19.9%	$14.6M+18.5%	$12.3M
Net Income	$46.8M	$44.4M+7.7%	$41.2M+158.3%	$16.0M-68.8%	$51.2M-42.2%	$88.7M+231.8%	$26.7M-40.2%	$44.7M+26.6%	$35.3M+18.0%	$30.0M+24.7%	$24.0M+2.9%	$23.4M+57.9%	$14.8M-48.6%	$28.8M+16.3%	$24.8M+17.6%	$21.0M
EPS (Basic)	N/A	$4.71+10.0%	$4.28+151.8%	$1.70-69.1%	$5.51-37.7%	$8.84+260.8%	$2.45-37.5%	$3.92+29.4%	$3.03+17.0%	$2.59+27.6%	$2.03+11.5%	$1.82+55.6%	$1.17-48.9%	$2.29+8.0%	$2.12-5.8%	$2.25
EPS (Diluted)	$4.75	$4.45+7.5%	$4.14+149.4%	$1.66-68.7%	$5.30-36.4%	$8.33+247.1%	$2.40-36.8%	$3.80+29.7%	$2.93+15.4%	$2.54+27.6%	$1.99+11.2%	$1.79+57.0%	$1.14-48.9%	$2.23+7.7%	$2.07-5.5%	$2.19
Diluted Shares (Avg)	N/A	10M+0.3%	10M+3.8%	10M-0.7%	10M-9.3%	11M-4.5%	11M-5.3%	12M-2.5%	12M+2.5%	12M-2.5%	12M-7.6%	13M+0.9%	13M+0.4%	13M+7.6%	12M+24.5%	10M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$168.0M+6.7%	$167.3M+9.4%	$169.7M+9.6%	$165.5M+13.1%	$157.4M+10.1%	$153.0M+6.0%	$154.8M+9.3%	$146.3M+3.9%
SG&A Expenses	$65.4M+4.0%	$64.7M-2.1%	$64.5M-0.2%	$64.1M+2.6%	$62.9M+4.7%	$66.0M+9.3%	$64.6M-0.2%	$62.5M+0.6%
Interest Expense	$23.0M+12.6%	$22.9M+15.9%	$22.6M+14.3%	$22.0M+13.5%	$20.4M+14.3%	$19.8M+13.0%	$19.8M+13.1%	$19.4M+14.2%
Income Tax	$2.4M-27.9%	$3.4M+59.4%	$3.2M+14.4%	$4.6M+84.6%	$3.3M+20.4%	$2.2M-54.4%	$2.8M+245.1%	$2.5M+20.5%
Net Income	$8.2M-19.6%	$11.4M+62.7%	$12.9M+30.2%	$14.4M+87.3%	$10.1M+20.1%	$7.0M-53.9%	$9.9M+230.9%	$7.7M-13.1%
EPS (Basic)	$0.91-15.0%	$1.24+69.9%	$1.39+35.0%	$1.53+93.7%	$1.07+21.6%	$0.73-54.1%	$1.03+227.2%	$0.79-16.0%
EPS (Diluted)	$0.85-17.5%	$1.18+68.6%	$1.30+32.7%	$1.42+86.8%	$1.03+19.8%	$0.70-55.1%	$0.98+224.1%	$0.76-16.5%
Diluted Shares (Avg)	10M-2.4%	10M-3.6%	N/A	10M+0.4%	10M-0.2%	10M+2.9%	N/A	10M+4.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

RM Balance Sheet

RM quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.1B+10.2%	$1.9B+6.4%	$1.8B+4.0%	$1.7B+18.2%	$1.5B+32.2%	$1.1B-4.7%	$1.2B+21.1%	$956.4M+15.3%	$829.5M+16.5%	$712.2M+13.7%	$626.4M+18.1%	$530.3M-0.7%	$533.9M+22.9%	$434.5M+42.9%	$304.1M
Cash & Equivalents	$98.0M-27.7%	$135.6M+5.4%	$128.7M-2.4%	$131.8M-11.7%	$149.2M+107.6%	$71.9M+27.4%	$56.4M+12.5%	$50.1M+127.7%	$22.0M+72.8%	$12.7M-29.8%	$18.2M+352.6%	$4.0M-2.6%	$4.1M+25.0%	$3.3M-32.0%	$4.8M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K0.0%	$716K+97.2%	$363K0.0%	$363K
Total Liabilities	$1.7B+11.5%	$1.6B+5.4%	$1.5B+3.9%	$1.4B+20.3%	$1.2B+41.5%	$831.7M-2.8%	$855.8M+26.4%	$677.2M+14.8%	$590.1M+16.9%	$504.7M+19.9%	$421.1M+19.7%	$351.9M-5.6%	$372.7M+22.1%	$305.3M+27.6%	$239.3M
Long-Term Debt	$1.6B+11.6%	$1.5B+5.5%	$1.4B+3.7%	$1.3B+22.7%	$1.1B+43.9%	$762.2M-4.6%	$798.6M+22.6%	$651.3M+15.0%	$566.5M+15.7%	$489.5M+19.8%	$408.5M+19.6%	$341.4M-5.9%	$362.8M+24.1%	$292.4M	N/A
Total Equity	$373.1M+4.5%	$357.1M+10.8%	$322.3M+4.4%	$308.6M+9.2%	$282.7M+3.9%	$272.1M-10.1%	$302.8M+8.5%	$279.2M+16.6%	$239.4M+15.4%	$207.5M+1.1%	$205.2M+15.1%	$178.3M+10.6%	$161.2M+24.7%	$129.2M+147.9%	$52.1M
Retained Earnings	$410.7M+8.5%	$378.5M+8.3%	$349.6M+1.2%	$345.5M+12.9%	$306.1M+34.6%	$227.3M-8.6%	$248.8M+21.9%	$204.1M+20.9%	$168.8M+21.6%	$138.8M+20.9%	$114.8M+25.6%	$91.4M+19.3%	$76.6M+60.2%	$47.8M+107.4%	$23.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.1B+8.3%	$2.1B+9.1%	$2.1B+10.2%	$2.0B+11.3%	$2.0B+10.0%	$1.9B0.0%	$1.9B+6.4%	$1.8B+3.2%
Cash & Equivalents	$118.6M-2.8%	$103.2M-18.4%	$98.0M-27.7%	$108.5M-9.8%	$121.9M-14.9%	$126.5M+3.3%	$135.6M+5.4%	$120.3M-3.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.8B+9.2%	$1.7B+10.0%	$1.7B+11.5%	$1.7B+12.8%	$1.6B+11.1%	$1.5B+8.6%	$1.6B+5.4%	$1.5B+2.4%
Long-Term Debt	$1.7B+11.2%	$1.6B+9.8%	$1.6B+11.6%	$1.6B+13.2%	$1.5B+9.4%	$1.5B+8.5%	$1.5B+5.5%	$1.4B+1.8%
Total Equity	$378.3M+4.2%	$375.8M+5.0%	$373.1M+4.5%	$371.9M+5.4%	$363.0M+5.2%	$357.9M+6.4%	$357.1M+10.8%	$352.9M+6.8%
Retained Earnings	$424.5M+9.0%	$419.2M+9.6%	$410.7M+8.5%	$400.8M+7.8%	$389.6M+6.1%	$382.5M+5.7%	$378.5M+8.3%	$371.7M+3.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

RM Cash Flow Statement

RM quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$328.5M	$309.1M+14.9%	$268.9M+7.9%	$249.2M+11.1%	$224.3M+18.7%	$189.0M+14.6%	$165.0M+4.3%	$158.2M+8.1%	$146.3M+26.7%	$115.4M+15.2%	$100.2M+20.2%	$83.4M-2.9%	$85.8M+18.3%	$72.6M+25.8%	$57.7M+39.1%	$41.5M
Depreciation & Amortization	N/A	$16.2M+15.5%	$14.1M-3.9%	$14.6M+15.3%	$12.7M+8.9%	$11.7M-12.4%	$13.3M+22.6%	$10.9M+23.3%	$8.8M+19.7%	$7.4M+14.2%	$6.4M+64.4%	$3.9M+1.0%	$3.9M+12.2%	$3.5M+33.1%	$2.6M+80.8%	$1.4M
Stock-Based Compensation	N/A	$11.9M+6.2%	$11.2M-5.0%	$11.8M+9.2%	$10.8M+45.5%	$7.4M+32.1%	$5.6M+8.8%	$5.1M-2.2%	$5.3M+43.8%	$3.7M-12.0%	$4.2M+14.3%	$3.6M+57.4%	$2.3M+47.2%	$1.6M+189.9%	$542K+183.8%	$191K
Capital Expenditures	$5.0M	$4.8M-5.8%	$5.1M+7.7%	$4.7M-20.1%	$5.9M+63.7%	$3.6M-8.8%	$3.9M-32.2%	$5.8M+8.4%	$5.4M+12.3%	$4.8M-25.9%	$6.4M+91.1%	$3.4M+1.4%	$3.3M-20.3%	$4.2M+108.6%	$2.0M-22.7%	$2.6M
Free Cash Flow	$323.5M	$304.3M+15.3%	$263.9M+7.9%	$244.5M+11.9%	$218.5M+17.8%	$185.4M+15.1%	$161.0M+5.7%	$152.4M+8.1%	$140.9M+27.3%	$110.7M+18.0%	$93.8M+17.2%	$80.0M-3.0%	$82.5M+20.6%	$68.4M+22.8%	$55.7M+43.2%	$38.9M
Investing Cash Flow	-$450.9M	-$471.2M-49.4%	-$315.4M-13.1%	-$278.7M+37.7%	-$447.3M-26.0%	-$355.1M-287.3%	-$91.7M+65.9%	-$268.8M-34.9%	-$199.2M-10.7%	-$179.9M-12.8%	-$159.6M	N/A	N/A	-$142.7M+10.3%	-$159.0M-100.7%	-$79.2M
Financing Cash Flow	$119.1M	$124.5M+133.1%	$53.4M+102.1%	$26.4M-87.1%	$205.6M-15.5%	$243.4M+520.7%	-$57.8M-149.5%	$116.9M+44.1%	$81.1M+9.9%	$73.8M+36.8%	$53.9M	N/A	N/A	$70.9M-28.9%	$99.7M+139.1%	$41.7M
Dividends Paid	$11.6M	$11.5M-5.4%	$12.1M+2.2%	$11.9M+4.7%	$11.4M+19.0%	$9.5M+330.4%	$2.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$25.2M	$24.0M+577.5%	$3.5M	N/A	$20.6M-69.4%	$67.4M+461.4%	$12.0M-52.0%	$25.0M	N/A	N/A	$25.0M	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$80.8M+2.7%	$81.0M+27.2%	$80.1M+25.4%	$86.7M+15.4%	$78.7M+10.0%	$63.7M+8.9%	$63.8M-4.6%	$75.1M+11.2%
Depreciation & Amortization	$4.9M+25.0%	$4.8M+32.4%	$4.5M+25.4%	$4.2M+18.0%	$3.9M+15.1%	$3.6M+3.0%	$3.6M+5.0%	$3.6M+0.7%
Stock-Based Compensation	$2.4M-14.5%	$1.9M-45.8%	N/A	$2.8M-25.9%	$2.8M-14.4%	$3.5M+91.1%	N/A	$3.7M
Capital Expenditures	$1.5M+43.5%	$1.1M-12.9%	$1.5M-4.0%	$1.0M-22.2%	$1.0M-15.8%	$1.3M+24.3%	$1.5M+42.6%	$1.3M+56.0%
Free Cash Flow	$79.3M+2.1%	$79.9M+28.1%	$78.6M+26.1%	$85.7M+16.1%	$77.6M+10.5%	$62.4M+8.6%	$62.3M-5.3%	$73.8M+10.6%
Investing Cash Flow	-$110.3M-4.9%	-$34.8M+42.2%	-$143.2M-20.3%	-$162.6M-45.4%	-$105.1M-63.6%	-$60.3M-196.5%	-$119.0M-40.6%	-$111.8M-2.3%
Financing Cash Flow	$44.9M+104.9%	-$41.0M-226.1%	$52.6M-25.4%	$62.6M+352.5%	$21.9M+61.8%	-$12.6M+71.7%	$70.4M+220.9%	$13.8M-44.2%
Dividends Paid	$2.7M-4.3%	$3.4M+8.5%	$2.7M-6.2%	$2.8M-4.4%	$2.8M-8.1%	$3.2M-3.1%	$2.9M+2.0%	$2.9M+2.2%
Share Buybacks	$5.1M+2.8%	$7.5M+16.0%	$7.5M	$5.0M	$5.0M	$6.5M	N/A	N/A

RM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RM quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	6.9%-0.1pp	7.0%+4.1pp	2.9%-7.2pp	10.1%-10.6pp	20.7%+13.6pp	7.1%-5.4pp	12.6%+1.1pp	11.5%+0.5pp	11.0%+1.0pp	10.0%-0.8pp	10.8%+3.5pp	7.2%-9.7pp	16.9%-1.4pp	18.2%-1.7pp	20.0%
Return on Equity	11.9%+0.3pp	11.6%+6.6pp	5.0%-11.7pp	16.6%-14.8pp	31.4%+21.5pp	9.8%-5.0pp	14.8%+2.1pp	12.7%+0.1pp	12.5%+0.9pp	11.6%+0.2pp	11.4%+3.1pp	8.3%-9.6pp	17.9%-1.3pp	19.2%-21.2pp	40.4%
Return on Assets	2.1%-0.1pp	2.2%+1.3pp	0.9%-2.1pp	3.0%-3.1pp	6.1%+3.7pp	2.4%-1.4pp	3.9%+0.2pp	3.7%+0.1pp	3.6%+0.2pp	3.4%-0.4pp	3.7%+0.9pp	2.8%-2.6pp	5.4%-0.3pp	5.7%-1.2pp	6.9%
Debt-to-Equity	4.40+0.3x	4.12-0.2x	4.330.0x	4.36+0.5x	3.88+1.1x	2.80+0.2x	2.64+0.3x	2.330.0x	2.370.0x	2.36+0.4x	1.99+0.1x	1.91-0.3x	2.250.0x	2.26-2.3x	4.59
Asset Turnover	0.310.0x	0.310.0x	0.310.0x	0.290.0x	0.290.0x	0.340.0x	0.310.0x	0.320.0x	0.330.0x	0.340.0x	0.350.0x	0.39+0.1x	0.320.0x	0.310.0x	0.35
FCF Margin	47.1%+2.3pp	44.8%+0.5pp	44.3%+1.3pp	43.1%-0.2pp	43.3%+0.2pp	43.1%+0.2pp	42.8%-3.1pp	46.0%+5.3pp	40.6%+1.6pp	39.0%+2.2pp	36.8%-3.5pp	40.3%+0.2pp	40.1%-1.0pp	41.1%+4.1pp	36.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	4.9%-1.6pp	6.8%+2.2pp	7.6%+1.2pp	8.7%+3.4pp	6.4%+0.5pp	4.6%-6.0pp	6.4%+11.8pp	5.2%-1.0pp
Return on Equity	2.1%-0.6pp	3.0%+1.1pp	3.5%+0.7pp	3.9%+1.7pp	2.8%+0.3pp	2.0%-2.6pp	2.8%+5.1pp	2.2%-0.5pp
Return on Assets	0.4%-0.1pp	0.5%+0.2pp	0.6%+0.1pp	0.7%+0.3pp	0.5%0.0pp	0.4%-0.4pp	0.5%+0.9pp	0.4%-0.1pp
Debt-to-Equity	4.42+0.3x	4.30+0.2x	4.40+0.3x	4.23+0.3x	4.14+0.2x	4.11+0.1x	4.12-0.2x	3.94-0.2x
Asset Turnover	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x
FCF Margin	47.2%-2.1pp	47.8%+7.0pp	46.3%+6.1pp	51.8%+1.3pp	49.3%+0.2pp	40.8%+1.0pp	40.3%-6.2pp	50.4%+3.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
REGIONAL MANAGEMENT CORP RM	FY2025	$645.6M	$44.4M	6.9%	$309.7M	—
Yiren Digital Ltd. YRD	FY2025	$817.8M	$7.8M	0.9%	$64.7M	36/100
X Financial XYF	FY2025	$1.1B	$209.4M	19.2%	$179.9M	53/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$776.3M	28/100
PRA Group, Inc. PRAA	FY2025	$1.2B	-$305.0M	-25.4%	$746.2M	29/100

Where REGIONAL MANAGEMENT CORP Ranks

Frequently Asked Questions

What is REGIONAL MANAGEMENT CORP's annual revenue?

REGIONAL MANAGEMENT CORP (RM) reported $645.6M in total revenue for fiscal year 2025. This represents a 9.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is REGIONAL MANAGEMENT CORP's revenue growing?

REGIONAL MANAGEMENT CORP (RM) revenue grew by 9.7% year-over-year, from $588.5M to $645.6M in fiscal year 2025.

Is REGIONAL MANAGEMENT CORP profitable?

Yes, REGIONAL MANAGEMENT CORP (RM) reported a net income of $44.4M in fiscal year 2025, with a net profit margin of 6.9%.

How much debt does REGIONAL MANAGEMENT CORP have?

As of fiscal year 2025, REGIONAL MANAGEMENT CORP (RM) had $98.0M in cash and equivalents against $1.6B in long-term debt.

What is REGIONAL MANAGEMENT CORP's net profit margin?

REGIONAL MANAGEMENT CORP (RM) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does REGIONAL MANAGEMENT CORP pay dividends?

Yes, REGIONAL MANAGEMENT CORP (RM) paid $1.20 per share in dividends during fiscal year 2025.

What is REGIONAL MANAGEMENT CORP's return on equity (ROE)?

REGIONAL MANAGEMENT CORP (RM) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is REGIONAL MANAGEMENT CORP's free cash flow?

REGIONAL MANAGEMENT CORP (RM) generated $304.3M in free cash flow during fiscal year 2025. This represents a 15.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is REGIONAL MANAGEMENT CORP's operating cash flow?

REGIONAL MANAGEMENT CORP (RM) generated $309.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are REGIONAL MANAGEMENT CORP's total assets?

REGIONAL MANAGEMENT CORP (RM) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are REGIONAL MANAGEMENT CORP's capital expenditures?

REGIONAL MANAGEMENT CORP (RM) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does REGIONAL MANAGEMENT CORP buy back shares?

Yes, REGIONAL MANAGEMENT CORP (RM) spent $24.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does REGIONAL MANAGEMENT CORP have outstanding?

REGIONAL MANAGEMENT CORP (RM) had 9M shares outstanding as of fiscal year 2025.

What is REGIONAL MANAGEMENT CORP's debt-to-equity ratio?

REGIONAL MANAGEMENT CORP (RM) had a debt-to-equity ratio of 4.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is REGIONAL MANAGEMENT CORP's return on assets (ROA)?

REGIONAL MANAGEMENT CORP (RM) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is REGIONAL MANAGEMENT CORP's P/E ratio?

REGIONAL MANAGEMENT CORP (RM) trades at 6.6x earnings, its market capitalization divided by net income of $46.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $309.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is REGIONAL MANAGEMENT CORP's price-to-sales ratio?

REGIONAL MANAGEMENT CORP (RM) trades at 0.5x sales, its market capitalization divided by revenue of $670.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $309.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is REGIONAL MANAGEMENT CORP's Piotroski F-Score?

REGIONAL MANAGEMENT CORP (RM) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are REGIONAL MANAGEMENT CORP's earnings high quality?

REGIONAL MANAGEMENT CORP (RM) has an earnings quality ratio of 6.96x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.